Bellco Credit Union

This is the worst credit union I’ve ever dealt with. Credit Unions are supposed to separate themselves from banks, but bellco has fallen way short… if you go w them, you might as well go to a bank. They promise promos for car loans and do not follow through… The call center is completely inconsistent which tells me they don’t pay employees well enough to keep good ones. I call on a Saturday morning to find out about the process for closing my accounts (they’d already done enough for me to take my money elsewhere), I was told they transfer everything to your membership account and overnight a check. Since they overnight (this was not something I even asked for, the rep told me it was standard process) I decided I’d call the beginning of the week to close it, once all transactions cleared. I call Tuesday and surprisingly get a totally different story. Rather than them taking on the $ 10-​$ 20 cost to follow through w what I’d previously been told they tell me they issue via USPS and apologize. The customer service is horrible… I work with customers for a living and a small cost such as sending a check overnight is a small price to pay to keep your name in good standings online. I always check reviews before doing business with any company and I’m sure so do hundreds of others… this will cost them at least one customer and that’s good enough for me.

I’ve been with BCU for over 15 years but I think I’ve over stayed my welcome. I had been involved in a scam where I bought $ 2500 worth of iTunes gift certificates. When I found out it was a scam and immediately told Bellco to put a stop payment the refused. Am now out $ 2500. What is the point of my bank if they can help me.
Time to find a different bank.

Great local bank with a good rewards credit card and high interest checking account. I had an issue with online banking but their customer service was quick to respond.

I’ve been a member of Bellco Credit Union for about five years. I’ve had a checking account with them the entire time. Until the last 9 months I was very satisfied with my experience with Bellco. However, things at Bellco have changed dramatically and for the worse. In 2014 Bellco «upgraded» their phone menus and now it’s very difficult to accomplish anything other than automated information on accounts. If you want to speak to an actual human being you better be trying to purchase a service or get a loan. Otherwise the best that you can do is speak to a «member services» representative who is not an actual employee of Bellco but who handles calls for multiple CU’s across the country and who cannot give any useful information beyond what you can obtain via the automated phone menu. Before they «upgraded» their phone service, Bellco used to have actual Bellco employees take calls and members could choose to speak to those reps immediately. I’m sure this «upgrade» saves Bellco money but it sucks for members who have issues and need to speak to live Bellco employees. Bellco also does not give out the direct telephone numbers for individual branches on their website. In the last two months I’ve had the drive-​thru ATM’s at the Centennial branch «eat» two paychecks, give me a cryptic error message spit out my ATM card not record the deposit and not return my check. The first time it happened it was after 6PM and so I called the «upgraded» phone service and chose to speak to the member services rep. The after hours service rep does not exist. What I got was a recording saying Bellco is now closed, call back during regular business hours. I then had to go to the branch and get the third degree from a counter rep so they could fill out a descriptive deposit form. During that process I asked how long it would take to reconcile the matter and according to the counter rep he couldn’t say because in his words, Bellco doesn’t have anything to do with the Bellco ATMs. That’s right, if you have an issue with the Bellco ATM’s located at the Bellco branch locations and that have Bellco signage on them, you can’t expect Bellco to do anything about it because those are owned and operated by a third party. So the counter rep told me that it shouldn’t take more that a day or two. Of course that was BS. Five days later the issue wasn’t resolved. After a week I went to a different branch in Arvada to see if I could speak with the branch manager to see if he could help me because the Centennial branch didn’t seem to care that the ATM there had prevented me from making a deposit. The Manager at the other location apologized for my troubles (BTW just saying sorry over and over and not resolving anything doesn’t equal customer service) and he discovered that the «main office» arbitrarily decided to deposit the money into my membership account and not my checking account. I asked why and got Bellco’s stock answer which is «I don’t know. I’m sorry about that». Less than 6 weeks later the same thing happened. I had to go through the same BS again!
Today I learned that Bellco will not allow me to make coin rolls deposits into my account without charging a ridiculous fee. That’s right. If I want to deposit coins whether the coins are rolled or not, I cannot do so without paying a 9% fee. I was told at three different branches that I can turn around, walk across the lobby, unroll the coins, feed them to the coinstar machine and pay a 9% fee and then get back in line with the coinstar voucher and they can deposit that amount. Bellco, a CU with banking services charges it’s «valued» customers a 9% fee just to deposit my hard earned money into my account because they «have no way of handling coin deposits!» Before 2014, I regularly made coin deposits of rolled coins at the counter of the Westminster branch no questions asked.
Bellco has made the choice to eliminate good customer service while simultaneously charging more fees for standard services. I can say without hesitation that Bellco has gone to hell in a hand basket. It’s a shame because up until not very long ago, Bellco was a good CU to do business with. Now Bellco really doesn’t have anything to offer that would make them a better value for customers than say 1^st bank or any other bank or credit union. If you’re considering Bellco, beware.

I haven’t been into this Bellco, but if it is anything like the Bellco in Greenwood Village, It is great! The location is awesome, just off Parker Rd. They are rarely busy. I especially love that there are so many credit unions that you can bank at and you can do your banking through this branch since they are a sister location to over a thousand other credit unions!

I just started banking with a partner credit union and was told I could make an Auto Loan payment. Being in the neighborhood, I stopped by on a Saturday to do so. The teller at the counter was NOT nice and seriously looked like I just woke him up from a nap. I asked him a question about being able to pay online, don’t know if CUs do that — I’ve been with Chase for years, and he said «I don’t know, just call your own Credit Union for that.»
I won’t be using this branch for anything, unless they remove oscar the grouch from the teller line.

After almost 10 years using banks to manage my finances, I decided it was time to switch to a credit union. I was looking for better rates, better service, and being a «member» instead of a customer.
After doing some research, I came upon Bellco and, given the proximity of a branch to where I live, decided I’d give it a shot and open a checking account and apply for a credit card.
I was able to go in Friday after work, since they have helpful longer hours-​the lobby and drive up are both open until 6. I was helped by Eric, the branch manager, and let him know I was looking at the Max Checking account, maybe a savings account, and also applying for a credit card.
We started with a credit check-​being a credit union, you hold a share and are a «member», so they run a credit history before you can join. I was cleared in 5 minutes, and on to opening my account!
There is a $ 25 one-​time membership fee, plus a $ 5 processing fee (also one-​time), with no minimum opening balance. In other words, you can open an account for just $ 30. Eric went over the account very thoroughly with me, including the benefits, how to access it online, and how to find their network of ATMs. He also put in my application for a credit card and let me know I would hear back shortly.
The following Monday, I got a call from Bellco letting me know my credit card application had been approved, and it would arrive in 5 – 7 business days. That’s it! My history of applying for cards at banks has been long and irritating to say the least, even with good credit, so it was a bit of a cherry on top that it went so much smoother with Bellco.
I’ve been with Bellco for a week now, and I’m already very content. Eric was excellent in making sure I had all the info I needed and setting up my accounts, and the customer service has been equally excellent so far.
I’m so glad I switched!